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Home Insurance in Krum, TX
What Krum houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
The Krum housing stock in numbers
Detached houses represent about 92% of the housing in Krum, where 76% of households own their home.
Older, newer and in between: Krum homes
The median home in Krum was built in 2005. Homes built before 1980 make up about 11% of the total; those built since 2000 account for 69%. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
$5,295/yr
About $441/mo · ~$300k-$400k dwelling class
$3,389/yr
About $282/mo after modeled shopping discount
About 36% below local market estimate
Setting the dwelling limit in Krum
The typical owner-occupied home in Krum is valued at about $336,500. Denton County overall comes in higher, at $437,200. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
What each coverage does for Krum owners
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots. Larger lots and outbuildings are common here, so check the limit.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Krum
FEMA’s National Risk Index rates overall natural-hazard risk in Denton County as relatively high. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and ice storms (very high). Hail turned up 373 times in Denton County in NOAA’s database between 2016 and 2025. 298 of those involved stones an inch or larger, the size that commonly damages shingles. The biggest stones, 5.9 inches across, fell on June 15, 2023.
Wind coverage in Denton County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Records to check before you quote
The Denton County appraisal district (www.dentoncad.com) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 3911 Morse St. Denton, TX 76208-6331.
The county for Krum is Denton County. Commuting ties put Denton County in the Dallas-Fort Worth-Arlington metro as an outlying county. Head about 6 miles from Krum and you reach Denton, the nearest larger city.
Common questions from Krum homeowners
How old are homes in Krum, and does that change my rate?
The median home was built in 2005, and about 11% predate 1980, per Census estimates. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.
Is flood insurance available in Krum?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Krum is a participating community, and its current flood map took effect in April 2011. In Denton County, about 1 in 147 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
How do I check what the appraisal district has on file for my Krum home?
Search your address on the Denton appraisal district site, www.dentoncad.com. Insurers use similar data, so correct any errors in square footage or year built before quoting.
When is the best time to compare home insurance in Krum?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Compare Krum home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA Storm Events Database, Denton County
- Census metro delineation
- Gazetteer (Census)
- Texas Comptroller regions
- TWIA coverage area
- OpenFEMA flood insurance data, Denton County
- FEMA NRI county ratings, Denton County
- Census Bureau ACS five-year data, Krum city: year built, structure type, home value, tenure, population, median year built
- Texas property tax directory, Denton County
- Comparison figures: Denton County value, Denton County build year
- FEMA Community Status Book